Car finance made simple
Check Eligibility
Check Eligibility
Before Choosing
Your Car
Find out what you can afford before choosing a vehicle. Personal Car Solutions helps UK drivers check finance options first, then source the right car around their budget.
Bad credit considered
Low deposit options
Self-employed welcome
240+ car models
Vehicle sourcing
Start With Your Budget
Tell us what you can afford monthly. We’ll help you look at suitable finance options before sourcing the car.
Affordable Cars Under £150
Popular Cars Under £250
Premium Cars £250+
Eligibility checks and finance options are subject to lender criteria and your personal circumstances.
20+Finance Partners
New DriversHelped Daily
1 HourAverage Response Time
UK WideVehicle Delivery
EstablishedSince 1981
How It Works
A simple finance-first process designed to save time and avoid wasted applications.
1
Apply Online
Fill in the quick application form with your basic details and monthly budget.
2
We Check Options
Our team reviews your information and checks suitable finance routes with available lenders.
3
Choose A Car
Once we know your budget, we help match you with cars that fit your approval and lifestyle.
4
Drive Away
Complete the paperwork, arrange delivery or collection, and get on the road.
Finance-first, not stock-first
Not limited to the cars on one forecourt.
Most dealer websites only show what is currently in stock. Personal Car Solutions works differently: we help customers get finance-ready first, then source a suitable vehicle around their approval, budget and preferences.
✓ Browse by monthly payment
✓ Check cars by body style and fuel type
✓ Calculate a realistic payment range
✓ Apply once you know what fits your budget
Choose How You Want To Start
Some customers know the car they want. Others only know their monthly budget. Both routes lead to the same simple application-first process.
Simple process
From finance check to car sourced.
We focus on understanding your budget and finance position first, then help you find a vehicle that fits your approval and lifestyle.
1
Check Eligibility
Submit your details and budget online.
2
Discuss Options
The team contacts you and reviews suitable routes.
3
Source The Car
Once approved, we help find a vehicle that fits.
Popular Cars On Finance
Start with a model you like, compare typical monthly ranges, then apply online to discuss suitable finance options.
Real Customer Success Stories
Helping drivers across the UK secure finance and get back on the road.
★★★★★
“I was rejected elsewhere because of old credit issues but these guys helped me get approved and sorted a car within days.”
Ford Focus ST-Line
★★★★★
“Very different to normal dealerships. They focused on what I could actually afford instead of trying to push expensive cars.”
BMW 1 Series
★★★★★
“Fast communication, easy process and they sourced exactly the type of car I wanted after my approval came through.”
Audi A3 S-Line
Established Since 1981
Personal Car Solutions is backed by decades of motor trade experience from JMC Car Sales Ltd, helping drivers across Hampshire and the UK find suitable vehicles and finance options.
Contact The Team
Why Customers Choose Personal Car Solutions
A modern finance-first approach designed around speed, flexibility and realistic finance options.
⚡
Fast Responses
Our team aims to respond quickly so you are not left waiting around for updates.
🔒
Secure Process
Your details are handled securely with modern encrypted systems and protected forms.
🚘
Vehicle Sourcing
We can help source suitable vehicles around your approved finance budget.
💬
Human Support
Speak with real people throughout the process instead of automated dealership systems.
Frequently Asked Questions
Quick answers for customers looking to get approved for used car finance.
Yes. Past credit issues do not automatically stop you from applying. We work with lenders who consider different credit profiles, although approval is never confirmed.
No. Our process is finance-first. We help check what type of finance may be available, then match you with cars that suit your budget and lender criteria.
Yes. Once your finance position is clearer, we can help source a suitable used vehicle instead of limiting you to cars already in stock.
Yes. Self-employed applicants are welcome. You may need to provide proof of income, bank statements or other supporting information depending on the lender.
No. Approval depends on your personal circumstances, affordability, lender criteria, credit profile and vehicle choice.
Ready to see what may be possible?
Start with a quick enquiry. Personal Car Solutions will contact you to discuss your budget, credit profile and vehicle preferences.